Get your salary through the Bank and take advantage of privileged conditions.
Get credit lines, consumer loans, or mortgage loans at lower interest rates and on more favorable terms.
Thanks to the wide network of branches and ATMs, you can access banking services at a location convenient for you.
You can join the salary program even if your employer does not have an agreement with the bank.
Get Visa Barerar, Visa Classic, Mastercard Standard, Amex Cashback cards free of charge, or enjoy preferential terms for Visa Gold, Mastercard Gold, and other currency cards.
The tariffs for all cards, loans, and credit lines are publicly available, with no hidden fees.
By receiving your salary through Acba bank, you can:
obtain card and credit products on preferential terms, including:
cards of international payment systems,
credit lines,
consumer loans,
mortgage loans;
use the products offered under the salary program without requiring a cooperation agreement between the Bank and your employer;
obtain financing under preferential creditworthiness assessment terms;
benefit from the Bank's wide network of branches and ATMs and receive services at a location convenient for you.
If you receive your salary through the bank | If you do not receive your salary through the bank |
Service fee - FreeCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 300 per monthCash withdrawal fee* - Free for cards without a credit line |
Service fee - FreeCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 4,500 per yearCash withdrawal fee* - Free for cards without a credit line |
Service fee - FreeCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 3,500 per yearCash withdrawal fee* - Free for cards without a credit line |
Service fee - AMD 5,000, free** for employees receiving a salary of AMD 300,000 or moreCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 12,000Cash withdrawal fee* - Free for cards without a credit line |
Service fee - Free for employees receiving a salary of AMD 500,000 or moreCash withdrawal fee - 2% | Service fee - AMD 10,000Cash withdrawal fee - 2% |
Service fee - Free**, for employees receiving a salary of AMD 1 million or moreCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 15,000Cash withdrawal fee* - Free for cards without a credit line |
Service fee - Free**, for employees receiving a salary of AMD 1 million or moreCash withdrawal fee* - Free for cards without a credit line | Service fee - AMD 40,000Cash withdrawal fee - Free for cards without a credit line |
Service fee - Free |
If you receive your salary through the bank | If you do not receive your salary through the bank |
Visa Barerar Service fee: AMD 2,000 per year | Visa Barerar Service fee: AMD 300 per month |
Visa Classic Service fee: AMD 2,000 per year | Visa Classic Service fee: AMD 4,500 per year |
Mastercard Standard Service fee: AMD 2,000 per year | Mastercard Standard Service fee: AMD 3,500 per year |
Visa Gold / Mastercard Gold Service fee: AMD 5,000 | Visa Gold / Mastercard Gold Service fee: AMD 12,000 |
Visa Signature Service fee: Free**, for employees receiving a salary of AMD 1 million or more | Visa Signature Service fee: AMD 40,000 |
Mastercard World Service fee: Free**, for employees receiving a salary of AMD 1 million or more | Mastercard World Service fee: AMD 15,000 |
2% for cards with a credit line.
** Only one primary card in any currency.
Preferential terms apply to managers.
By using your Visa Barerar card, you can become a philanthropist. The Visa Barerar payment card is a joint initiative of Acba bank and the Hayastan All-Armenian Fund. The funds accumulated in the Charity Fund are intended to support the needs of children in orphanages.
If you receive your salary through the Bank, you can obtain a credit line:
Up to eight times your salary
Annual interest rate (AMD) - starting from 16%
Annual effective interest rate - 11.19-12.47%
If you do not receive your salary through the Bank, the annual interest rate (AMD) is 19.5-21%.
Preferential terms apply to managers.
If you receive your salary through the Bank, you can obtain a consumer loan:
Up to AMD 10,000,000
Up to 60 months
Annual interest rate* - 1 percentage point lower than the rate offered by the Bank
Loans are provided without a commission
If you do not receive your salary through the Bank:
Annual interest rate (AMD): 20.1-21.6%
Annual effective interest rate: 22.04-23.85%
Preferential terms apply to mortgage loans for the purchase and renovation of real estate when you receive your salary through the Bank.
Preferential terms apply to managers.
The stated tariffs for cards, loans, and credit lines apply when you receive your salary through the Bank.
To obtain cards, loans, and credit lines:
complete an online application, or
visit a branch of the Bank convenient for you.
When visiting a branch, you will need to present:
An identification document;
Public Services Number;
Other documents, if required.
YOU HAVE THE RIGHT TO COMMUNICATE WITH THE FINANCIAL ORGANIZATION IN THE MANNER YOU PREFER - BY POST OR ELECTRONICALLY. RECEIVING INFORMATION ELECTRONICALLY IS THE MOST CONVENIENT OPTION. IT IS AVAILABLE 24/7, FREE FROM THE RISKS OF LOSING PAPER DOCUMENTS, AND ENSURES CONFIDENTIALITY.
